Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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Here's what you need to know...

  • If you just recently got your driver’s license, you’re classified as a newly licensed or inexperienced operator by auto insurance companies
  • When you live in the household with a friend or family member and you have access to their vehicle, you need to be listed on their insurance policy so that coverage extends to you
  • Teen drivers are issued a permit to get experience under the supervision of an adult driver. Drivers who have their provisional permit are typically covered under their parents’ policy automatically without any premium charge. As a first-time driver, the best option is to take advantage of the free coverage while you can
  • Be sure to take advantage of Good Student and Driver Training discounts. You’ll need to provide proof of good grades and proof that you’ve completed an acceptable training program to receive the discounts
  • Ask if your parents’ insurer offers a legacy discount. Many companies will offer young drivers graduating from their parents’ policies a special discount off of their premiums when they insure their car with the same company

Buying auto insurance for the first time can be intimidating. As a first-time driver, it’s imperative that you select the right coverage options and the right insurer to protect you while you’re on the open road.

While insurance is both a must and a necessity, it can be very expensive for inexperienced drivers who are just acclimating to life as a licensed driver.

Enter your zip code above to find cheap car insurance for first-time drivers!

If you’re buying your own policy as a new driver, it’s only reasonable to expect that you’ll pay more than your experienced acquaintances. Paying more doesn’t mean that you have to break the bank buying a basic insurance policy.

If you want to find cheap car insurance with little driving experience, here are some valuable tips that can help:

Why is driving experience so important?

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It can feel a lot like age discrimination when you find out that you’ll be paying twice as much as a driver who have a few more years of experience than you. Unfortunately, having a clean driving record isn’t enough to keep your rates down.

After all, when you’re a first-time driver, you haven’t had time to get into an accident or get a ticket.

Statistically speaking, drivers who are 19 years old or younger is three times more likely to have a fatal accident. The probability of having an accident that results in just damage is even higher.

Since first-time drivers don’t have the hands-on experience that they need to react quickly under pressure, insurance companies are justified in charging higher premiums to youthful operators.

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Do you need your own insurance when you only have a provisional permit?

If you’re a teen driver and you’re driving for the first time with a provisional permit, then you might not need to rush to get your own policy.

The purpose of a learner’s permit is to help young people who’ve never driven get experience on the road while they are being instructed and supervised by an adult in their home.

Since teens and young adults can only drive while they are with someone who is licensed and over the age of 25, most insurance companies don’t charge for drivers in the home that have a permit.

One of the best ways to find cheap coverage is to get covered for free under your parents’ insurance. This is only possible if you live in the same household.

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Why is it best to stay on your parents’ insurance for as long as possible?

There are a few benefits to staying on your parents’ insurance when you’re eligible to be listed as a driver. Even if you must be rated as a driver, being added to an existing policy with experienced drivers on it will certainly cost you less than buying your own.

Here are some of the reasons to put off getting your own coverage:

  • If there are more drivers than cars, you can be listed as an occasional operator instead of a primary one
  • Your parents probably qualify for a loyalty discount which drives the total policy premium down by 5 to 15 percent
  • You can get a multi-car discount when there are two or more cars in the household
  • You will get a multi-line discount if your parents have another line of insurance with the carrier
  • You can build your insurance history so that you are eligible for savings when you buy your own policy

Can you build an insurance history without a car?

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Being a newly licensed driver means that you can legally drive any private passenger vehicle. If you don’t own a vehicle, it doesn’t mean that you don’t need insurance.

In fact, it can benefit you to start your insurance history when you’re car-free so that you can qualify for discounts later.

If you don’t own a car and you don’t live in a home with someone who does, your best option is to buy a non-owner’s car insurance policy.

With non-owner’s coverage, you can drive borrowed cars and rentals without a worry. You’ll also have prior insurance so that you can get discounts.

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What types of discounts are you eligible for?

If you’re buying your own car in your own name, you should start getting quotes to see how much it will cost you to be a policy owner and primary driver.

Getting insurance under your parents’ policy might not be an option, but there are areas where you can knock your premiums down.

Here are some valuable tips that will pay off:

  • If you’re a full-time student, get good grades. A Good Student Discount can save you up to 30 percent
  • Find out if your parents’ insurer offers a legacy discount. This is available to young adults who brand off onto their own policies
  • Shop for a vehicle with a good safety rating to manage your premiums
  • Select higher deductibles
  • Complete an insurance safety program for a driver training discount that can last as long as three years
  • Carpool, bike, or take public transportation to keep your annual mileage and usage rates down

The best thing that you can do to find affordable insurance is shop around.

Some carriers prefer to do business with new drivers and others don’t. Use an online rate comparison tool and you can identify which insurance carriers are priced right.

Enter your zip code below to compare car insurance rates from multiple carriers at once!